Rancho Cordova, CA · Charter 68395
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.23% | 0.20% | 0.29% | 0.31% | +15 bps | |
| Return on Equity | 1.57% | 2.29% | 2.02% | 2.93% | 3.11% | +155 bps | |
| Net Interest Margin | 3.22% | 3.25% | 3.25% | 3.26% | 3.26% | +4 bps | |
| Efficiency Ratio | 79.73% | 79.21% | 80.28% | 83.79% | 81.70% | +198 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.73% | 4.24% | 3.86% | 3.13% | 2.31% | +58 bps | |
| Loan Growth (YoY) | -3.70% | 2.73% | 7.73% | 5.32% | 9.88% | +1,357 bps | |
| Share Growth (YoY) | 1.93% | 4.61% | 4.07% | 3.32% | 2.22% | +29 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.64% | 0.64% | 0.64% | 0.75% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.77% | 9.84% | 9.83% | 9.76% | 9.81% | +5 bps | |
| Net Worth / Assets | 9.77% | 9.84% | 9.83% | 9.76% | 9.81% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.90% | 92.53% | 100.13% | 95.62% | 96.64% | +673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |